PR FINECOBANK_1H26 RESULTS

Informazione

Regolamentata n.

1615-67-2026Data/Ora Inizio Diffusione 30 Luglio 2026 07:00:04Euronext Milan

Societa' :FINECOBANK

Utenza - referente :FINECOBANKN02 - Spolini Paola

Tipologia :1.2

Data/Ora Ricezione :30 Luglio 2026 07:00:04 Data/Ora Inizio Diffusione :30 Luglio 2026 07:00:04

Oggetto :PR FINECOBANK_1H26 RESULTS

Testo del comunicato

Vedi allegato

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Results at June 30th, 202 6 approved

STRONG BOOST ACROSS ALL BUSINESS AREAS

ROBUST GROWTH IN INVESTING AND BROKERAGE

CONTINUOUS INCREASE IN HIGH -QUALITY NEW CLIENTS

EXCLUSIVE PARTNERSHIP SIGNED WITH CNP ASSICURA

• Net profit adjusted1 at €343.3 million (+8.0% y/y) • Revenues: €713.8 million (+10.8% y/y) • Cost/income ratio adjusted : 27.0% • Capital and Liquidity : CET1 ratio 23.18%, LR 5.02%, LCR2 976%

FIGURES AT JULY 31st 2026 (ESTIMATES)

Net sales in the month of July: ~€1.7 billion (~+40% y/y). AUM ~€0.4 billion , Deposits ~€-0.3 billion , AUC ~€1.7 billion Estimated brokerage revenues in the month of July: €23 million (~+20%+ y/y) ~21,000 new clients acquired ( ~+40% y/y)

Milan, July 30th, 202 6

The Board of Directors of FinecoBank S.p.A. has approved the results as of June 30th, 2026.

Alessandro Foti, CEO and General Manager of FinecoBank, stated:

“Fineco’s outstanding results in the first half of the year are part of a steadily accelerating growth path, highlighting the success of our business model at a time when clients’ needs are rapidly evolving. The growing demand from savers for efficient and transparent solutions finds an ideal response in the combination of a technology platform enhanced by AI integration and an advisory network committed to proposing a long -

term investment approach.

During the first half of 2026, client interest in assets under administration solutions strengthened further, supporting the continued growth of brokerage revenues.

Fineco is therefore in the sweet spot to capture additional growth opportunities in the years ahead, supported by the Bank’s ability to attract a broad base of high -quality new clients.”

1 Net profit adjusted due to mutual termination with an executive (€ -4.6 million gross, € -3.0 million net) 2 Avg 12 months

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FINECOBANK

1H26

HIGHLIGHTS ◼ Revenues at € 713.8 million, +10.8% y/y thanks to all business areas: Banking (+8.5% y/y, thanks to the positive volume effect, able to more than offset the y/y decline in market rates ), Investing area (+ 11.0% y/y) , thanks to the volume effect and to the growing contribution of Fineco Asset Management and Brokerage (+15.2% y/y , thanks to the higher stock of Asset under Custody and to the wider active investors base)

◼ Operating costs well under control at €-192.8 million, + 11.4% y/y (+ 6.3% y/y net of costs strictly related to the growth of the business3). Cost/Income ratio at 27.0%, confirming the Bank's operational efficiency

◼ Profit before tax es from continuing operations at €508.4 million , up by 10.5% y/y.

Profit after taxes from continuing operations at €343.3 million, up by 8.0% y/y

◼ TFA at € 175.2 billion, up by 18.5% compared to the first half 2025, thanks to the contribution of net sales , equal to € 8.9 billion (+34.8% y/y), confirming the acceleration of the Bank’s growth path . Net sales in deposits stood at €0.6 billion (+75. 5% y/y), in Asset Under Management at € 2.6 billion ( in line y/y) and in Asset Under Custody at € 5.8 billion (+ 57.8 % y/y)

◼ Fineco Asset Management at €46.2 billion of TFA (+21.0% y/y) , of which €31.2 billion in retail classes (+17.6 % y/y) , and €15.0 billion in funds underlyings of wrappers (institutional classes , +28.8% y/y)

◼ The acquisition of new costumers continues , reaching 125,594 (+25.9% y/y) in 1H 26, and bringin g the total customers at 1 ,897,045 (+9.7% y/y)

JULY NET SALES

ESTIMATES ◼ In the month of July, net inflows are estimated at around €1.7 billion (~+40% y/y).

Asset Under Management net sales are estimated at around €0.4 billion and deposits net sales at around € -0.3 billion ; Asset Under Custody inflows at around €1.7 billion with brokerage clients very active and leading to very solid Brokerage revenues in the month of July, estimated at around €2 3 millio n (~+20%+ y/y)

◼ New clients in the month are estimated at around 21,000 (around +40 % y/y)

MAIN INITIATIVES

◼ Fineco is integrating Artificial Intelligence in its platform s. Key initiatives for financial advisors include the AI Assistant , for an advanced CRM management , and the Portfolio Builder , for asset allocation optimization . The new Brokerage Copilot has been released for the brokerage only account , aiming to improve their awareness and engagement through an advanced securities screening tool and portfolio analysis

◼ Fineco and CNP Assicura signed a four year exclusive partnership agreement for the distribution of life insurance products, aimed at strengthening insurance advisory solutions available to financial advisors of Fineco network.

3 Mainly related to: marketing expenses (€ -6.3 mln y/y) , FAM (€ -0.8 mln y/y) , A.I. projects (€ -1.3 million) and pan -EU platform set -up (€ -0.4 million) .

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TOTAL FINANCIAL ASSETS AND NET SALES

Total Financial Asset as of June 30th, 2026, amounted to € 175.2 billion (+18.5% y/y). Assets under Management was € 79.7 billion (+16.2% y/y), assets under custody amounted to € 63.2 billion (+ 28.5 % compared to June 2025), while the stock of direct deposits amounted to € 32.3 billion ( +7.5% compared to June 2025).

In particular, the TFA related to costumers with assets above €500,000 totalled € 91.1 billio n (+25.4% compared to June 2025).

In the first half of 202 6, total net sales amounted to € 8.9 billion (+34.8% y/y) and confirmed the acceleration of the Bank’s growth dynamics. Deposits were equalled to €0.6 billion (+75.5% y/y) , Asset under management net sales stood at € 2.6 billion (in line y/y) , Assets under custody amounted to € 5.8 billion (+57.8% y/Y) .

As of June 30st, 2026, the network was composed of 3,137 Personal Financial Advisors operating through 444 Fineco Center. Inflows in 1H26 through the PFA network were equal to €6.4 billion.

As of June 30th, 2026, Fineco Asset Management managed € 46.2 billion of assets (+21.0% y/y) , of which € 31.2 billion were retail class (+17.6% y/y) and around € 15.0 billion institutional class (+28. 8% y/y).

A total of 125.594 new customers were acquired in 1H26 (+25.9% y/y). The total number of customers as of June 30th, 2026 was 1, 897,045 (+9.7% y/y).

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MAIN INCOME STATEMENT RESULTS AT 3 0.06.26

Non recurring items , if any, are represented in a separate line item.

mln 1Q25 2Q25 1Q26 2Q26

1H25 1H26

1H26/

2Q26/ 2Q26/

1H25 2Q25 1Q26

Net Financial Income 161.3 153.7 163.0 176.4 315.0 339.4 7.7% 14.8% 8.2% Net Non Financial Income 167.7 162. 7 180.6 194.4 330.4 375.1 13.5% 19.5% 7.6% of which Dividends and other income from equity investments 0.0 0.0 0.0 0.1

0.0 0.1

n.a.

220.6% 172.5%

of which Net commissions 140.4 137.8 152.7 161.8 278.2 314.4 13.0% 17.4% 6.0% of which Net trading, hedging and fair value income 27.3 24.8 27.9 32.5

52.2 60.5

15.9%

31.0% 16.4%

Net other expenses/income 0.2 -1.3 -0.7 0.1 -1.1 -0.6 -40.9% -107.2% -112.8%

REVENUES 329.3 315.1 342.9 370.9 644.4 713.8 10.8% 17.7% 8.2%

Staff expenses -36.4 -37.4 -39.3 -40.1 -73.8 -79.4 7.6% 7.1% 2.0% Other administrative expenses net of recovery of expenses -44.4 -41.5 -48.8 -50.4

-85.8 -99.2

15.5%

21.5% 3.2%

Impairment/write -backs on intangible and tangible assets -6.5 -7.0 -7.0 -7.2

-13.5 -14.2

5.5%

3.5% 3.6%

Operating costs -87.2 -85.9 -95.1 -97.7 -173.1 -192.8 11.4% 13.7% 2.7%

OPERATING PROFIT (LOSS) 242.0 229.2 247.8 273.2 471.2 521.0 10.6% 19.2% 10.3%

Other charges and provisions -3.8 -3.9 -4.9 -5.3 -7.7 -10.2 31.7% 34.4% 7.2% Net impairment on loans and provisions for guarantees and commitments -0.9 -1.7 -1.4 -1.1

-2.6 -2.5

-1.6%

-35.6% -23.8%

Net income from investments -1.0 -0.1 -0.3 0.4 -1.0 0.1 -105.1% n.a. -214.9%

PROFIT BEFORE TAXES FROM CONTINUING

OPERATIONS 236.4 223.5 241.1 267.3

459.9 508.4

10.5%

19.6% 10.9%

Income taxes from continuing operations -72.2 -69.9 -78.9 -86.1 -142.1 -165.0 16.1% 23.2% 9.2%

NET PROFIT FROM CONTINUING OPERATIONS 164.2 153.6 162.2 181.1 317.8 343.3 8.0% 17.9% 11.7%

Non-recurring charges net of taxes 0.0 0.0 0.0 -3.0 0.0 -3.0 n.a. n.a. n.a.

PROFIT (LOSS) FOR THE PERIOD 164.2 153.6 162.2 178.2 317.8 340.4 7.1% 16.0% 9.9%

Revenues totalled € 713.8 million in the first half of 2026, up by 10.8% compared to € 644.4 million in the first half of 2025.

Net Financial Income stood at € 339.4 million, increasing by 7.7% y/y due to the positive volume effect, which has more than offset the decline in market interest rates in the period .

Net Non Financial Income in the first half of 2026 amounted to € 375.1 million, increasing by 13.5% compared to € 330.4 million in the same period of 2025. This increase is due to all the product area: the Investing business has recorded €214.2 million, up by 11 .1% y/y thanks to the volume effect and the higher contribution of Fineco Asset Management ; Brokerage contributed with around €140.4 million (+ 16.4% y/y), thanks to the higher stock of Asset under Custody and the wider active investors base ; Banking contribution amounted to €25.4 million (+16.1% y/y) .

Operating costs in the first half of 202 6 were well under control at € 192.8 million, up 11.4% y/y mainly due to expenses strictly connected to the growth of the business3, net of which the increase in operating costs is equal to 6.3% y/y .

Staff expenses totaled €79.4 million, increasing by € 7.6%.

The Cost/income ratio was 27.0%.

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Operating profit amounted to € 521.0 million as of June 30th, 202 6 (+10.6% y/y) .

Other charges and provisions totaled € -10.2 million .

Net impairment on loans and provisions for guarantees and commitments amounted to € -2.5 million. The cost of risk is equal to 7 basis points.

Net income from Investments amounted to € 0.1 million.

Profit before taxes from continuing operations stood at € 508.4 million, up by 10.5% y/y .

Net p rofit from continuing operations was equal to € 343.3 million, increasing by 8.0% y/y .

Profit for the period, considering the n on-recurring charges net of taxes (equal to € -3.0 million ), was €340.4 million , up by 7.1% y/y.

MAIN INCOME STATEMENT RESULTS FOR THE SECOND QUARTER 2026

Revenues in the second quarter totalled € 370.9 million, up by 8.2% q/q and by 17.7 % y/y.

Net Financial Income stood at € 176.4 million, increasing by 8.2% compared to the previous quarter an d by 14.8% compared to the same quarter of 202 5, due to the positive volumes effect .

Net Non Financial Income amounted to € 194.4 million, up by 7.6% compared to the first quarter of 202 6 due to the positive contribution of all the product areas: Investing revenues increased by 8.9% q/q, Brokerage by 4.4% q/q and Banking by 6.5% q/q. Net Non Financial Income is up by 19.5% compared to the 162.7 million of the second quarter 202 5, thanks to the positive contribution of all the product areas: Investing revenues are up by 14.0% y/y, Brokerage by 27.5% y/y and Banking by 18.2% y/y .

Operating costs in the second quarter were equal to € 97.7 million, increasing by 2 .7% q/q and by 13.7% y/y.

Operating profit was equal to € 273.2 million, up by 10.3% q/q and by 19.2% y/y .

Other charges and provisions amounted to € -5.3 million.

Net impairment on loans and provisions for guarantees and commitments amounted to € -1.1 million.

Net income from Investments stood at € 0.4 million.

Profit before taxes from continuing operations in the quarter was equal to € 267.3 million, up by 10.9% q/q and by 19.6% y/y.

Net profit from continuing operations in the quarter was equal to € 181.1 million, up by 11.7% q/q and by 17.9% y/y.

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Profit for the period, considering the non -recurring charges net of taxes (equal to € -3.0 million ), was € 178.2 million, up by 9.9% q/q and 16.0% y/y.

SHAREHOLDERS’ EQUITY AND CAPITAL RATIOS

Consolidated Shareholders’ equity stood at € 2,396.7 million, decreasing by € 156.6 million compared to December 31st, 202 5 due to the dividend payment for the year 202 5 (€483.4 million) and the payment of the Additional Tier 1 coupon (€ 13.8 million), partially offset by the 1H26 net profit .

The Group confirms its solid capital position with a CET1 ratio of 23.18% as of June 30th, 202 6, compared to 23.34% as of March 31st, 202 6 and to 2 3.30% as of December 31st, 202 5.

The Tier 1 ratio and the Total Capital Ratio were equal to 30.90% as of June 30th, 202 6 compared to 31.28% as of March 31st, 202 6 (final figure) and to 31.37% as of December 31st, 202 5.

Leverage ratio stood at 5.02% as of June 30th, 2026, compared to 5.14% as of March 31st, 202 6 and to 5.07% as of December 31st, 202 5.

The Group’s liquidity indicators confirmed to be very solid, placing Fineco at the highest level among European banks: LCR stood at 976%2 as of June 30th, 202 6 significantly above the 100% regulatory limit, and NSFR equal to 459% as of June 30th, 202 6 also well above the 100% regulatory limit.

LOANS TO CUSTOMERS

Loans to customers stood at € 6,428.3 million as of June 30th, 202 6, slightly increasing (+ 2.1%) compared to March 31st, 202 6 and to June 30th, 202 5 (+4.1%).

The amount of non -performing loans (loans with insolvent borrowers, unlikely to pay and non -performing loans/past due) net of impairment totaled € 5.7 million ( €5.1 million as of March 31st, 202 6 and €7.7 million as of June 30th, 2025), with a 81.1% coverage ratio. The ratio between the amount of non -performing loans and total loans to ordinary customers equaled to 0.10%.

SIGNIFICANT EVENTS IN THE SECOND QUARTER OF 202 6 AND SUBSEQUENT EVENTS

With reference to the main events that took place in the second quarter of 202 6 and after June 30th, 202 6, please refer to the press releases published on the FinecoBank website.

MAIN INITIATIVES

Fineco is continuing to integrate Artificial Intelligence tools into its platform dedicated to financial advisors, with the aim of improving efficiency in their day -to-day work. Among the most recent developments are:

• Customer Relationship Management (CRM) for PFA: fully integrated into the Fineco platform, it enables financial advisors to better manage their client base. The CRM allows advisors to interact with the system in a conversational manner, identifying the clients on whom to take action. For example, it is possible to quickly identify specific investment products within portfolios or pos itions characterized by a high level of uninvested liquidity. In this way, the capability of the Fineco Network

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to deliver personalized, timely, and proactive advisory services is strengthened, enhancing the quality of client interactions and the identification of financial needs.

• Portfolio Builder : allows advisors to access a tool trained on the financial frameworks defined by Fineco to build portfolios tailored to individual client needs, or to analyze the characteristics of existing portfolios. The latest release is the new tool for optimizing ex isting portfolios: advisors can request a rebalancing based on specific constraints, such as costs or the number of instruments to be sold or purchased. The application generates a proposal aligned with the client’s risk profile, based on the MiFID questio nnaire, ready to be approved by the client, including through web collaboration .

The platform’s evolution continues with the launch of the Brokerage Copilot , already available for clients with brokerage -only account . This is a new AI -driven user experience that includes stock screening features based on both fundamental and technical analysis, portfolio scenario analysis, and market news tailored to clients’ interests.

Fineco has also integrated the Accumulation Plans on ETFs via App : now fully integrated also into the Fineco mobile platform, this new launch allows retail clients to easily set up and manage systematic investment plans directly on ETFs.

Also, Fineco and CNP Assicura signed a four year exclusive partnership agreement for the distribution of life insurance products, aimed at strengthening insurance advisory solutions available to financial advisors of Fineco network. This agreement further consolidates a long -term relationship, providing the Bank with a highly valuable position in wealth advisory for the management and protection of its clients’ assets.

Finally, Fineco AM has listed on the Italian Stock Exchange three ETFs developed in collaboration with Amundi , Europe’s leading ETF provider. The three products track highly liquid, broad and diversified stock indices: MSCI World, S&P 500 and STOXX Europe 600. The launch of the three Fineco AM - Amundi ETFs happens in a context of strong growth in demand for index -linked investment solutions among retail investors and further strengthens the successful partnership between the two asset managers.

SUSTAINABILITY

Fineco remains committed to its Sustainability journey, also through the implementation of activities and projects aimed at achieving the objectives set out in the 2024 -2026 ESG Multiannual Plan and in the 2026 -

2029 ESG Multiannual Plan approved in March 2 026.

The Bank’s ESG offering and portfolio are composed as follows (data as of June 2026):

• 81% of the funds (by number of ISINs) available on the platform are classified as Article 8 and Article 9 under the SFDR • the stock of green mortgages, granted for the purchase of residential properties, exceeds €0.2 billion • the green, social and sustainability bonds held in the Bank’s portfolio stand at around €3.0 billion • the value of the ESG collateral switch exceeds €0.6 billion.

With regard to commitments in the areas of responsible finance and the environment as part of the Net -Zero by 2050 strategy, at the end of June 2026 96.6% of the banking treasury portfolio was invested in debt securities issued by sovereign and banking issuers with a Net -Zero target by 2050 (Fineco’s interim target of 95% by 2030 and 100% by 2050).

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Fineco has received the following scores from leading ESG rating agencies:

• S&P Global ESG Score: 68/100 • CDP Climate Change: rating “B” • Sustainalytics: ESG risk rating of 11.4 (Low Risk), confirming Fineco’s positioning among the best -

performing banks at an international level • MSCI ESG Rating: “AA” (leader) within the Diversified Financials sector • Standard Ethics: rating “EEE –” with a stable outlook.

Fineco is included in the following sustainability indices: Borsa Italiana MIB ESG Index (Euronext), FTSE4Good, S&P Global 1200 ESG Index, S&P Global Large Mid Cap ESG Index, Standard Ethics Italian Banks Index, and Standard Ethics Italian Sustainability I ndex.

GUIDANCE FOR 2026 : FURTHER UPGRADED OUTLOOK

Further u pgraded outlook for 2026 and 2029 Plan , driven by combination of: 1) better than expected net sales , with all the mix component contributing positively to revenues ; 2) combination of deposit net sales and rates evolution ; 3) slower growth of operating costs vs CMD expectations

For 2026 Fineco expects all business areas to positively contribute to the revenue growth thanks to the acceleration of structural trends :

• Net Financial Income : growing thanks to the combination of positive deposit net sales and higher

interest rates

• Investing : solid increase in revenues thanks to the combination of resilient net sales and mix

improvement

• Brokerage revenues: expected to remain strong with a continuously growing floor thanks to the higher AuC and the enlargement of our active investors. We expect another record year

• Banking Fees : expected stable

• Operating Costs : expected growth of around 6% y/y, not including arou nd €1 5 million of additional costs for growth initiatives (mainly: AI, marketing, FAM ; compared to the previous guidance , the increase of around €5 million is related to marketing ) and around €5 million for the pan -EU platform

set-up costs

• Cost/income : comfortably below 30% thanks to the scalability of our platform and strong operating

gearing

• Cost of risk: in a range 5 –10 bps

• Payout & Capital ratios: we expect a payout ratio in a range 70/80%. On Leverage Ratio our goal is to remain above 4.5%.

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The reclassified balance sheet and the income statement approved by the Board of Directors of July 29th, 2026 are here attached.

CONSOLIDATED BALANCE SHEET

(Amounts in € thousand) Amounts as at Changes ASSETS June 30, 2026 December 31, 2025 Amounts % Cash and cash balances 1,829,460 1,874,597 (45,137) -2.4% Financial assets held for trading 116,974 55,001 61,973 112.7% Loans to banks 448,468 401,047 47,421 11.8% Loans to customers 6,428,312 6,378,405 49,907 0.8% Financial investments 28,237,675 26,221,878 2,015,797 7.7% Hedging instruments 366,168 439,964 (73,796) -16.8% Property, plant and equipment 152,716 152,035 681 0.4% Goodwill 89,602 89,602 - n.a.

Other intangible assets 34,052 34,014 38 0.1% Tax assets 38,240 60,179 (21,939) -36.5% Tax credits acquired 374,172 817,656 (443,484) -54.2% Other assets 588,933 771,523 (182,590) -23.7% Total assets 38,704,772 37,295,901 1,408,871 3.8%

(Amounts in € thousand) Amounts as at Changes

LIABILITIES AND SHAREHOLDERS' EQUITY June 30, 2026 December 31, 2025 Amounts %

Due to banks 866,318 849,969 16,349 1.9% Due to customers 33,255,937 32,453,115 802,822 2.5% Debt securities in issue 1,306,618 811,163 495,455 61.1% Financial liabilities held for trading 40,652 23,510 17,142 72.9% Hedging instruments 10,618 24,140 (13,522) -56.0% Tax liabilities 64,032 24,538 39,494 161.0% Other liabilities 763,914 556,142 207,772 37.4% Shareholders' equity 2,396,683 2,553,324 (156,641) -6.1%

- capital and reserves 2,080,093 1,925,196 154,897 8.0%

- revaluation reserves (23,776) (18,913) (4,863) 25.7%

- net profit 340,366 647,041 (306,675) -47.4% Total liabilities and Shareholders' equity 38,704,772 37,295,901 1,408,871 3.8%

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CONSOLIDATED BALANCE SHEET – QUARTERLY FIGURES

(Amounts in € thousand) June 30, 2025 September 30, 2025 December 31, 2025 March 31, 2026 June 30, 2026

ASSETS

Cash and cash balances 1,603,940 2,128,216 1,874,597 1,784,396 1,829,460 Financial assets held for trading 46,224 52,717 55,001 71,607 116,974 Loans to banks 419,121 402,681 401,047 469,911 448,468 Loans to customers 6,169,028 6,219,539 6,378,405 6,297,749 6,428,312 Financial investments 25,091,833 25,629,653 26,221,878 26,734,814 28,237,675 Hedging instruments 453,127 442,486 439,964 474,615 366,168 Property, plant and equipment 144,174 143,104 152,035 151,948 152,716 Goodwill 89,602 89,602 89,602 89,602 89,602 Other intangible assets 34,579 34,177 34,014 33,765 34,052 Tax assets 30,275 30,862 60,179 39,965 38,240 Tax credits acquired 847,707 810,853 817,656 727,977 374,172 Other assets 429,567 390,786 771,523 570,019 588,933 Total assets 35,359,177 36,374,676 37,295,901 37,446,368 38,704,772

(Amounts in € thousand) June 30, 2025 September 30, 2025 December 31, 2025 March 31, 2026 June 30, 2026

LIABILITIES AND SHAREHOLDERS' EQUITY

Due to banks 859,635 850,595 849,969 1,099,312 866,318 Due to customers 30,680,880 31,608,539 32,453,115 32,234,347 33,255,937 Debt securities in issue 804,934 809,298 811,163 801,558 1,306,618 Financial liabilities held for trading 26,464 27,867 23,510 30,358 40,652 Hedging instruments 43,642 29,721 24,140 7,156 10,618 Tax liabilities 11,148 75,044 24,538 75,912 64,032 Other liabilities 688,185 579,337 556,142 495,694 763,914 Shareholders' equity 2,244,289 2,394,275 2,553,324 2,702,031 2,396,683

- capital and reserves 1,944,441 1,932,502 1,925,196 2,559,660 2,080,093

- revaluation reserves (17,988) (18,752) (18,913) (19,819) (23,776)

- net profit 317,836 480,525 647,041 162,190 340,366 Total liabilities and Shareholders' equity 35,359,177 36,374,676 37,295,901 37,446,368 38,704,772

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CONSOLIDATED INCOME STATEMENT

(Amounts in €

thousand)

1H26 1H25 Changes

Amounts %

Net Financial Income 339,378 315,041 24,337 7.7% Net Non Financial Income 375,056 330,392 44,664 13.5% of which Dividends and other income from equity investments 149 10 139 n.a.

of which Net commissions 314,438 278,231 36,207 13.0% of which Net trading, hedging and fair value income 60,469 52,151 8,318 15.9% Net other expenses/income (639) (1,082) 443 -40.9%

REVENUES 713,795 644,351 69,444 10.8%

Staff expenses (79,368) (73,783) (5,585) 7.6% Other administrative expenses net of recovery of expenses (99,166) (85,837) (13,329) 15.5% Impairment/write -backs on intangible and tangible assets (14,246) (13,506) (740) 5.5% Operating costs (192,780) (173,126) (19,654) 11.4%

OPERATING PROFIT (LOSS) 521,015 471,225 49,790 10.6%

Net impairment on loans and provisions for guarantees and commitments (2,532) (2,573) 41 -1.6% Other charges and provisions (10,169) (7,721) (2,448) 31.7% Net income from investments 52 (1,013) 1,065 n.a.

PROFIT BEFORE TAXES FROM CONTINUING OPERATIONS 508,366 459,918 48,448 10.5%

Income taxes from continuing operations (165,028) (142,082) (22,946) 16.1%

NET PROFIT FROM CONTINUING OPERATIONS 343,338 317,836 25,502 8.0%

Non-recurring charges net of taxes (2,972) - (2,972) n.a.

PROFIT (LOSS) FOR THE PERIOD 340,366 317,836 22,530 7.1%

PROFIT (LOSS) FOR THE PERIOD ATTRIBUTABLE TO THE GROUP 340,366 317,836 22,530 7.1%

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CONSOLIDATED INCOME STATEMENT – QUARTERLY FIGURES

(Amounts in €

thousand)

Year 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 1st Quarter 2nd Quarter 2025 2025 2025 2025 2025 2026 2026 Net Financial Income 633,092 161,321 153,720 156,622 161,429 162,984 176,394 Net Non Financial Income 684,702 167,724 162,668 168,173 186,137 180,633 194,423 of which Dividends and other income from equity investments 70 (24) 34 47 13 40 109 of which Net commissions 581,865 140,420 137,811 144,377 159,257 152,650 161,788 of which Net trading, hedging and fair value income 102,767 27,328 24,823 23,749 26,867 27,943 32,526 Net other expenses/income (1,294) 231 (1,313) 486 (698) (733) 94

REVENUES 1,316,500 329,276 315,075 325,281 346,868 342,884 370,911

Staff expenses (150,501) (36,374) (37,409) (37,690) (39,028) (39,298) (40,070) Other administrative expenses net of recovery of expenses (178,028) (44,371) (41,466) (42,075) (50,116) (48,804) (50,362) Impairment/write -backs on intangible and tangible assets (27,743) (6,505) (7,001) (7,039) (7,198) (6,997) (7,249) Operating costs (356,272) (87,250) (85,876) (86,804) (96,342) (95,099) (97,681)

OPERATING PROFIT (LOSS) 960,228 242,026 229,199 238,477 250,526 247,785 273,230

Net impairment on loans and provisions for guarantees and commitments (4,692) (874) (1,699) (1,172) (947) (1,437) (1,095) Other charges and provisions (19,352) (3,806) (3,915) (3,425) (8,206) (4,909) (5,260) Net income from investments (684) (961) (52) 232 97 (348) 400

PROFIT BEFORE TAXES FROM CONTINUING OPERATIONS 935,500 236,385 223,533 234,112 241,470 241,091 267,275

Income taxes from continuing operations (288,459) (72,194) (69,888) (71,423) (74,954) (78,901) (86,127)

NET PROFIT FROM CONTINUING OPERATIONS 647,041 164,191 153,645 162,689 166,516 162,190 181,148

Non-recurring charges net of taxes - - - - - - (2,972)

PROFIT (LOSS) FOR THE PERIOD 647,041 164,191 153,645 162,689 166,516 162,190 178,176

PROFIT (LOSS) FOR THE PERIOD ATTRIBUTABLE TO THE

GROUP 647,041 164,191 153,645 162,689 166,516 162,190 178,176

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FINECOBANK RATING

Long term debt Short term debt Outlook

S&P GLOBAL RATING BBB+ A-2 Positive

TOTAL NET SALES PER AREA AS OF JUNE 30TH, 202 6 (IN THOUSANDS €)

Area Total Net Sales

1H26

Lombardia 2,857,960

Lazio 1,023,031

Veneto 832,974

Emilia Romagna 789,548

Piemonte 762,858

Toscana 464,138

Campania 463,979

Liguria 330,489

Sicilia 256,432

Marche 199,427

Others 962,305

Grand Total 8,943,140

MAIN DEFINITIONS

- q/q: means current quarter versus previous quarter

- y/y: means current period versus the same period of the previous years

- Total Financial Asset (TFA): sum of Assets Under Management, Assets Under Custody and Direct

Deposits

- Cost/income ratio: is calculated on reclassified income statement as the ratio of Operating costs item and Revenues item

- Cost of risk: is calculated as the ratio of net impairment losses of loans to customers in the last 12 months, includes only loans to ordinary customers, and loans to ordinary customers (average of the averages of the last four quarters, calculated as the a verage balance at the end of the quarter and the balance at the end of the previous quarter)

- Ratio between the amount of non -performing loans and total loans to ordinary customers: is calculated as the ratio of non -performing loans net of impairment provision and loans to ordinary customers net of impairment provision

- Coverage ratio: is calculated as the ratio of the amount of the impairment provision and the gross

exposure

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DISCLAIMER

This Press Release may contain written and oral “forward -looking statements”, which include all statements that do not relate solely to historical or current facts and which are therefore inherently uncertain. All forward -looking statements rely on a numbe r of assumptions, expectations, projections and provisional data concerning future events and are subject to a number of uncertainties and other factors, many of which are outside the control of FinecoBank S.p.A. (the “Company”). There are a variety of fac tors that may cause actual results and performance to be materially different from the express or implied contents of any forward -looking statements and, therefore, such forward -looking statements are not a reliable indicator of future performance. The Com pany undertakes no obligation to publicly update or revise any forward -looking statements, whether as a result of new information, future events or otherwise, except as may be required by applicable law. The information and opinions contained in this Press Release are provided as at the present date and are subject to change without notice. Neither this Press Release nor any part of it nor the fact of its distribution may form the basis of, or be relied on or in connection with, any contract or investment d ecision.

The information, statements and opinions contained in this Press Release are for information purposes only and do not constitute a public offer under any applicable legislation or an offer to sell or solicitation of an offer to purchase or subscribe for se curities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments. None of the securities referred to herein have been, or will be, registered under the U.S. Securities Act of 1933, as amended, or the securities laws of any state or other jurisdiction of the United States or in Australia, Canada or Japan or in any other jurisdiction where such an offer or solicitation would be unlawful (the “Other Countries”), and there will be no public offer o f any such securities in the United States or in the Other Countries. This Press Release does not constitute or form a part of any offer or solicitation to purchase or subscribe for securities in the United States or in the Other Countries .

Declaration of the Manager in Charge of preparation of the Financial Reports

The undersigned Erick Vecchi, as Manager in charge of preparation of FinecoBank S.p.A.’s Financial Reports,

DECLARES

in compliance with the provisions of the second paragraph of Article 154 -bis of the "Consolidated Finance Act", that the accounting information contained in this press release corresponds to results in the accounts, books and records.

Milan, July 29th 2026

The Manager in charge for Preparing the Company's Financial Reports

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Enquiries

Fineco - Media Relations Fineco - Investor Relations Tel.: +39 02 2887 2256 Tel. +39 02 2887 2358

mediarelations@finecobank.com investors@finecobank.com

Barabino & Partners Tel. +39 02 72023535

Emma Ascani

e.ascani@barabino.it

+39 335 390 334

Fine Comunicato n.1615-67-2026 Numero di Pagine: 17